| TOTAL SISTEMA FINANCIERO Y BANCARIO (EN PERPECTIVA) | ||||||||||||||||
| Balance de Situación (Condensado) | ||||||||||||||||
| Al 29 de Febrero de 2008 | ||||||||||||||||
| (Expresado en miles de Córdobas) | ||||||||||||||||
| Descripción | BANPRO | BANCENTRO | BAC | BDF | B.UNO | PROCREDIT | FINARCA | FINDESA | HSBC | FAMA | Sistema Bancario y Financieras | |||||
| Activo | 19,379,283.60 | 15,459,108.90 | 12,242,932.10 | 7,728,060.10 | 5,106,615.50 | 3,002,423.40 | 463,751.20 | 3,273,294.00 | 963,081.00 | 667,139.80 | 68,285,689.60 | |||||
| Disponibilidades | 4,454,416.60 | 2,669,830.60 | 3,075,162.00 | 1,906,584.40 | 1,311,311.70 | 391,802.60 | 58,147.30 | 547,164.20 | 72,034.30 | 16,186.40 | 14,502,640.10 | |||||
| Moneda Nacional | 2,042,217.10 | 1,046,751.80 | 945,642.50 | 459,900.50 | 207,596.30 | 137,434.60 | 804.50 | 144,766.70 | 6,490.60 | 9,829.10 | 5,001,433.70 | |||||
| Caja | 394,165.00 | 247,261.60 | 263,165.70 | 43,517.60 | 50,461.40 | 41,822.70 | 262.30 | 62,059.20 | 2,524.80 | 2,390.70 | 1,107,630.90 | |||||
| Banco Central de Nicaragua | 534,634.40 | 0.00 | 533,473.40 | 379,952.20 | 136,091.50 | 94,352.50 | 7.30 | 26,152.60 | 929.30 | 23.10 | 1,705,616.30 | |||||
| Depositos e Instituciones Financieras del Pais | 101.00 | 0.00 | 0.00 | 490.90 | 0.00 | 580.60 | 534.90 | 50,098.40 | 2,197.10 | 7,415.30 | 61,418.30 | |||||
| Otras disponibilidades | 1,113,316.70 | 799,490.20 | 149,003.50 | 35,939.90 | 21,043.40 | 678.70 | 0.00 | 6,456.50 | 839.30 | 0.00 | 2,126,768.20 | |||||
| Moneda Extranjera | 2,412,199.50 | 1,623,078.80 | 2,129,519.50 | 1,446,683.90 | 1,103,715.40 | 254,368.10 | 57,342.90 | 402,397.60 | 65,543.70 | 6,357.30 | 9,501,206.40 | |||||
| Caja | 220,777.20 | 139,521.90 | 227,922.00 | 58,801.60 | 98,057.70 | 52,236.40 | 4,586.50 | 52,997.00 | 4,300.50 | 1,444.30 | 860,645.10 | |||||
| Banco Central de Nicaragua | 0.00 | 0.00 | 1,336,463.20 | 638,148.20 | 606,535.30 | 160,972.50 | 18,756.90 | 72,205.10 | 6,255.40 | 26.30 | 2,839,363.00 | |||||
| Depositos e Instituciones Financieras del Pais | 0.00 | 0.00 | 0.00 | 5,286.70 | 0.00 | 3,188.40 | 32,701.10 | 62,806.40 | 19,697.00 | 4,886.70 | 128,566.30 | |||||
| Depositos en Instituciones Financieras del exterior | 746,826.30 | 434,349.20 | 446,316.00 | 708,634.80 | 367,207.90 | 36,669.90 | 1,298.40 | 191,772.60 | 7,332.00 | 0.00 | 2,940,407.20 | |||||
| Otras disponibilidades | 1,444,596.00 | 1,049,207.70 | 118,818.20 | 35,812.60 | 31,914.50 | 1,300.80 | 0.00 | 22,616.30 | 27,958.70 | 0.00 | 2,732,224.80 | |||||
| Inversiones en valores, neto | 4,630,746.50 | 2,673,107.70 | 92,831.30 | 1,013,148.80 | 75,597.70 | 0.00 | 3,776.10 | 57,777.40 | 0.00 | 0.00 | 8,546,985.50 | |||||
| Inversiones al Valor Razonable con Cambios en Resultados | 66,557.80 | 0.00 | 0.00 | 16,808.20 | 75,597.70 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 158,963.70 | |||||
| Inversiones Disponibles para la Venta | 0.00 | 1,663,503.80 | 92,831.30 | 221.10 | 0.00 | 0.00 | 3,776.10 | 0.00 | 0.00 | 0.00 | 1,760,332.30 | |||||
| Inversiones Mantenidas Hasta el Vencimiento | 4,564,188.80 | 1,009,603.90 | 0.00 | 996,119.50 | 0.00 | 0.00 | 0.00 | 57,777.40 | 0.00 | 0.00 | 6,627,689.50 | |||||
| Operaciones con Valores y Derivados | 1,407.50 | 0.00 | 0.00 | 16,584.40 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 17,992.00 | |||||
| Cartera de Creditos, neta | 9,663,561.30 | 9,335,961.40 | 8,553,593.90 | 4,498,412.00 | 3,520,338.40 | 2,410,346.50 | 376,884.60 | 2,504,919.50 | 862,496.50 | 603,148.50 | 42,329,662.80 | |||||
| Créditos vigentes | 9,154,547.40 | 8,708,713.40 | 8,438,362.60 | 4,427,117.20 | 3,378,231.50 | 2,401,122.00 | 368,093.50 | 2,450,685.20 | 859,814.80 | 621,428.20 | 40,808,115.70 | |||||
| Créditos prorrogados | 42,078.20 | 214,735.00 | 2,133.80 | 0.00 | 0.00 | 0.00 | 328.30 | 4,605.90 | 0.00 | 0.00 | 263,881.30 | |||||
| Créditos reestructurados | 338,559.10 | 240,365.70 | 69,899.90 | 15,975.10 | 167,716.10 | 2,251.90 | 3,587.40 | 2,784.60 | 0.00 | 0.00 | 841,139.80 | |||||
| Créditos vencidos | 191,764.80 | 122,791.90 | 218,818.00 | 119,399.30 | 111,167.70 | 10,733.90 | 12,456.80 | 36,204.10 | 0.00 | 11,003.50 | 834,340.10 | |||||
| Créditos en cobro judicial | 134,523.40 | 60,721.40 | 110,882.10 | 15,035.50 | 42,832.60 | 22,456.00 | 3,108.50 | 11,805.20 | 404.00 | 241.00 | 402,009.70 | |||||
| Intereses y Comisiones por Cobrar sobre Creditos | 174,319.00 | 244,089.90 | 61,114.90 | 85,716.70 | 14,059.90 | 85,024.40 | 3,876.30 | 89,050.30 | 11,210.90 | 10,233.60 | 778,695.80 | |||||
| Provisiones por incobrabilidad de cartera de creditos | -372,230.60 | -255,455.90 | -347,617.40 | -164,831.70 | -193,669.50 | -111,241.50 | -14,566.20 | -90,215.80 | -8,933.20 | -39,757.70 | -1,598,519.60 | |||||
| Otras cuentas por cobrar, neto | 62,491.30 | 214,952.30 | 54,638.50 | 28,734.20 | 38,777.60 | 30,080.10 | 1,237.10 | 21,494.60 | 1,321.30 | 1,486.40 | 455,213.50 | |||||
| Bienes de uso, neto | 454,482.10 | 207,900.70 | 365,731.10 | 101,330.60 | 68,376.20 | 112,980.90 | 10,701.50 | 42,730.30 | 8,752.60 | 27,575.80 | 1,400,561.80 | |||||
| Bienes recibidos en recuperacion de creditos, neto | 4,415.40 | 56,106.00 | 2,640.30 | 7,255.10 | 407.00 | 6,400.60 | 9,413.70 | 25,115.90 | 0.00 | 717.40 | 112,471.40 | |||||
| Invesiones permanentes en acciones | 42,574.70 | 109,977.10 | 26,210.90 | 25,738.00 | 22,414.50 | 0.00 | 0.00 | 5,472.70 | 0.00 | 0.00 | 232,387.90 | |||||
| Otros activos | 65,188.10 | 191,273.10 | 72,124.10 | 130,272.40 | 69,392.50 | 50,812.60 | 3,590.90 | 68,619.30 | 18,476.40 | 18,025.30 | 687,774.60 | |||||
| Pasivo | 17,789,021.50 | 14,175,498.00 | 10,936,191.00 | 7,002,561.70 | 4,550,048.30 | 2,698,242.00 | 394,706.60 | 2,980,963.10 | 681,935.20 | 480,941.80 | 61,690,109.20 | |||||
| Obligaciones con el Público | 15,063,228.90 | 11,685,684.20 | 9,824,367.40 | 5,738,903.30 | 3,921,086.10 | 1,296,198.70 | 112,383.70 | 588,033.20 | 182,246.20 | 0.00 | 48,412,131.60 | |||||
| Moneda Nacional | 5,874,815.40 | 4,593,924.90 | 2,765,134.70 | 1,688,953.20 | 811,986.90 | 381,950.90 | 0.00 | 181,538.60 | 3,790.10 | 0.00 | 16,302,094.70 | |||||
| Depositos a la Vista | 1,620,282.00 | 1,445,695.30 | 1,700,997.30 | 321,649.10 | 245,308.40 | 39,653.80 | 0.00 | 0.00 | 2,978.70 | 0.00 | 5,376,564.60 | |||||
| Depositos de Ahorro | 1,400,527.30 | 1,475,047.80 | 594,495.70 | 861,950.20 | 431,846.00 | 74,415.70 | 0.00 | 85,477.20 | 636.60 | 0.00 | 4,924,396.60 | |||||
| Depositos a Plazo | 2,048,467.10 | 1,669,881.00 | 469,641.70 | 505,353.80 | 134,832.40 | 267,881.40 | 0.00 | 96,061.50 | 174.90 | 0.00 | 5,192,293.80 | |||||
| Otros Depósitos del Público | 805,539.00 | 3,300.80 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 808,839.80 | |||||
| Moneda Extranjera | 8,816,356.60 | 6,910,464.60 | 6,883,077.70 | 3,934,500.90 | 3,071,862.40 | 896,021.80 | 111,565.70 | 401,090.50 | 166,926.30 | 0.00 | 31,191,866.50 | |||||
| Depositos a la Vista | 1,679,664.30 | 1,575,520.80 | 2,418,306.90 | 421,733.00 | 536,972.70 | 69,652.00 | 0.00 | 0.00 | 43,779.40 | 0.00 | 6,745,629.00 | |||||
| Depositos de Ahorro | 3,187,671.80 | 3,330,840.80 | 2,532,054.20 | 2,273,480.50 | 1,625,499.20 | 345,902.00 | 7,192.40 | 191,158.80 | 52,020.90 | 0.00 | 13,545,820.70 | |||||
| Depositos a Plazo | 3,313,131.30 | 2,001,628.60 | 1,932,716.60 | 1,239,287.50 | 909,390.50 | 480,467.80 | 104,373.20 | 209,931.70 | 71,126.00 | 0.00 | 10,262,053.40 | |||||
| Otros Depósitos del Público | 635,889.20 | 2,474.30 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 638,363.50 | |||||
| Otras obligaciones | 302,114.00 | 142,560.90 | 132,544.80 | 82,467.60 | 19,144.10 | 11,844.80 | 0.00 | 610.10 | 10,018.40 | 0.00 | 701,304.70 | |||||
| Cargos financieros por pagar sobre obligaciones con el Público | 69,943.00 | 38,733.80 | 43,610.30 | 32,981.50 | 18,092.60 | 6,381.20 | 818.00 | 4,793.80 | 1,511.40 | 0.00 | 216,865.60 | |||||
| Obligaciones con Instituciones financieras y por otros financiamientos | 2,276,778.50 | 1,900,034.40 | 751,228.10 | 999,487.60 | 423,626.20 | 1,246,176.70 | 274,941.70 | 2,205,422.50 | 486,455.60 | 447,458.30 | 11,011,609.60 | |||||
| Préstamos de la Financiera Nicaraguense de Inversiones | 426,831.00 | 425,720.20 | 286,663.10 | 260,356.10 | 101,356.50 | 199,889.50 | 39,414.20 | 225,288.60 | 0.00 | 0.00 | 1,965,519.20 | |||||
| Préstamos del Banco Centroaméricano de Integración Económica | 728,486.80 | 642,369.00 | 439,392.90 | 427,827.90 | 162,869.90 | 233,897.00 | 0.00 | 200,700.10 | 0.00 | 111,960.30 | 2,947,503.90 | |||||
| Préstamos de Otras Instituciones Financieras del Exterior | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 539,250.80 | 0.00 | 1,109,435.80 | 0.00 | 0.00 | 1,648,686.70 | |||||
| Otras Obligaciones con Instituciones Financieras y por Otros Financiamientos. | 1,121,460.70 | 831,945.20 | 25,172.00 | 311,303.70 | 159,399.80 | 273,139.30 | 235,527.50 | 669,997.90 | 486,455.60 | 335,498.00 | 4,449,899.80 | |||||
| Obligaciones con el Banco Central de Nicaragua | 131,084.80 | 120,522.00 | 0.00 | 76,063.20 | 19,107.10 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 346,777.00 | |||||
| Operaciones con valores y derivados | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |||||
| Otras cuentas por pagar | 91,226.30 | 126,050.70 | 217,908.00 | 10,334.80 | 44,518.40 | 62,288.50 | 3,473.80 | 46,394.60 | 7,519.40 | 19,415.30 | 629,129.80 | |||||
| Otros pasivos y provisiones | 129,758.00 | 243,114.90 | 142,687.50 | 42,200.60 | 141,710.50 | 34,934.70 | 3,270.50 | 34,931.30 | 5,713.90 | 14,068.30 | 792,390.30 | |||||
| Obligaciones subordinadas | 96,945.10 | 100,091.70 | 0.00 | 135,572.30 | 0.00 | 58,643.30 | 0.00 | 106,181.50 | 0.00 | 0.00 | 497,433.90 | |||||
| Impuestos diferidos | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 636.90 | 0.00 | 0.00 | 0.00 | 636.90 | |||||
| Reservas para obligaciones laborales al retiro | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |||||
| Patrimonio | 1,590,262.20 | 1,283,610.90 | 1,306,741.10 | 725,498.40 | 556,567.10 | 304,181.50 | 69,044.60 | 292,330.90 | 281,145.80 | 186,198.00 | 6,595,580.50 | |||||
| Capital social pagado | 632,600.00 | 612,400.00 | 505,000.00 | 400,000.00 | 200,000.00 | 223,998.00 | 50,000.00 | 180,000.00 | 276,880.00 | 155,520.00 | 3,236,398.00 | |||||
| Capital donado | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |||||
| Aportes patrimoniales no capitalizables | 0.00 | 0.60 | 0.00 | 0.00 | 0.00 | 0.20 | 0.00 | 120.40 | 0.00 | 2,054.40 | 2,175.60 | |||||
| Obligaciones convertibles en capital | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |||||
| Ajustes al patrimonio | 0.00 | 20,528.50 | 800.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 21,328.50 | |||||
| Reservas patrimoniales | 227,177.00 | 191,457.60 | 226,227.90 | 109,594.80 | 125,092.00 | 19,699.90 | 6,232.30 | 32,915.10 | 3,349.50 | 3,553.60 | 945,299.70 | |||||
| Resultados acumulados de ejercicios anteriores | 664,058.50 | 420,451.50 | 524,451.00 | 208,015.50 | 195,280.50 | 51,519.80 | 14,802.50 | 67,854.60 | 3,036.70 | 20,137.20 | 2,169,607.80 | |||||
| Resultados del Periodo | 66,426.60 | 38,772.70 | 50,262.20 | 7,888.10 | 36,194.60 | 8,963.60 | -1,990.20 | 11,440.90 | -2,120.50 | 4,932.80 | 220,770.90 | |||||
| Cuentas contingentes | 7,727,101.30 | 2,011,326.10 | 3,738,587.50 | 598,332.30 | 3,427,765.20 | 1,995.90 | 6,049.90 | 39,535.40 | 4,224.10 | 0.00 | 17,554,917.70 | |||||
| Cuentas de orden | 20,844,707.70 | 17,706,158.30 | 6,093,375.40 | 8,786,303.50 | 2,691,268.70 | 7,611,553.80 | 1,256,663.90 | 6,865,696.10 | 2,214,114.90 | 1,501,151.00 | 75,570,993.40 | |||||
| La informacion de este Estado Financiero no ha sido auditada | ||||||||||||||||
| TIPO DE CAMBIO A ENE 31/08 C$ 19.0548 X US$ 1.00 | ||||||||||||||||